A銀行大連分行個(gè)人投資理財(cái)策略研究
發(fā)布時(shí)間：2018-07-24 18:44
【摘要】：隨著國民收入的增加,投資理財(cái)這種保值增值的方式已逐漸受到廣大中國民眾的接受與關(guān)注,中國國民以一種越來越理性的態(tài)勢(shì)加入到投資理財(cái)?shù)男辛兄小ｋS著金融全球化和中國加入WTO,跨國金融活動(dòng)日益緊密,為了得到獲得利潤的制高點(diǎn),各商業(yè)銀行已經(jīng)意識(shí)到順應(yīng)客戶的需求,適應(yīng)全國化趨勢(shì)的重要性,個(gè)人理財(cái)業(yè)務(wù)順勢(shì)而生。因此為客戶提供全方位的個(gè)人理財(cái)計(jì)劃,具有現(xiàn)實(shí)意義。 論文共分為五個(gè)部分： 首先,第一章為緒論。分析了論文選題背景和研究意義,并綜述商業(yè)銀行個(gè)人投資理財(cái)研究的國內(nèi)外現(xiàn)狀。第二章,A銀行大連分行個(gè)人理財(cái)產(chǎn)品特點(diǎn)及投資者分類。著重分析A銀行大連分行個(gè)人理財(cái)產(chǎn)品特點(diǎn),將理財(cái)產(chǎn)品分為穩(wěn)健性型和增值型投資產(chǎn)品兩類,對(duì)投資者依照投資目的和生命周期進(jìn)行分類。第三章,進(jìn)行個(gè)人客戶投資組合模型的構(gòu)建。在相關(guān)理論研究及對(duì)歷史數(shù)據(jù)的分析基礎(chǔ)上,從客戶所處的生命周期、收入-消費(fèi)的客觀情況、歷史投資經(jīng)驗(yàn)與對(duì)風(fēng)險(xiǎn)的偏好等方面,運(yùn)用問卷調(diào)查的方式,綜合制定出不同類型客戶的最優(yōu)投資組合比例。第四章,分析A銀行大連分行個(gè)人理財(cái)投資策略的選擇與應(yīng)用。在第三章基礎(chǔ)上,結(jié)合經(jīng)典的收益-風(fēng)險(xiǎn)、無差異曲線、最優(yōu)投資組合等相關(guān)理論,制定出適合于A銀行大連分行不同類型客戶的投資組合模式,以及處于不同生命周期客戶的理財(cái)規(guī)劃；同時(shí),充分考慮不同客戶的風(fēng)險(xiǎn)承受能力對(duì)預(yù)期收益的影響,結(jié)合案例分析處在不同生命周期的客戶經(jīng)濟(jì)投資規(guī)劃；結(jié)合客戶的個(gè)人投資規(guī)劃,制定出適合不同客戶的投資策略方案。最后,相關(guān)政策建議。結(jié)合目前A銀行大連分行理財(cái)業(yè)務(wù)中存在的問題,給出相應(yīng)的政策建議,為A銀行大連分行更好發(fā)展個(gè)人理財(cái)業(yè)務(wù)提供一定借鑒意義。
[Abstract]:With the increase of national income, the way of maintaining and increasing the value of investment and financial management has been accepted and paid more and more attention by the masses of Chinese people, and Chinese people have joined the ranks of investment and financial management with a more and more rational situation. With the globalization of finance and China's entry into WTO, transnational financial activities are getting closer and closer. In order to obtain the commanding point of profit, commercial banks have realized the importance of adapting to the needs of customers and the trend of nationalization. Personal finance business is coming into being. Therefore, it is of practical significance to provide clients with a comprehensive personal finance plan. The thesis is divided into five parts: first, the first chapter is the introduction. This paper analyzes the background and significance of the thesis, and summarizes the domestic and international situation of personal investment and finance research in commercial banks. Chapter two: characteristics of personal Financial products and Investor Classification in Dalian Branch of Bank A. This paper analyzes the characteristics of personal financial products in Dalian Branch of Bank A, classifies them into two types: robust and value-added investment products, and classifies investors according to their investment purpose and life cycle. The third chapter, carries on the personal customer portfolio model construction. Based on the relevant theoretical research and the analysis of historical data, this paper applies the questionnaire from the life cycle of the customer, the objective situation of income and consumption, the historical investment experience and the risk preference, etc. The optimal portfolio ratio of different types of clients is formulated. Chapter four analyzes the choice and application of personal finance investment strategy of Bank A Dalian Branch. On the basis of the third chapter, combining with the classical theories of income and risk, no difference curve, optimal portfolio and so on, the investment portfolio model suitable for different types of customers of Bank A Dalian Branch is established. At the same time, considering the influence of the risk bearing ability of different customers on the expected income, and combining with the case analysis of the customer economic investment planning in different life cycle. Combine the individual investment plan of the customer, make out the investment strategy plan suitable for different customer. Finally, the relevant policy recommendations. Combined with the problems existing in the financial management business of Dalian Branch of Bank A at present, the corresponding policy suggestions are put forward, which can be used for reference by Dalian Branch of Bank A for better development of personal finance business.
【學(xué)位授予單位】：大連理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2
[Abstract]:With the increase of national income, the way of maintaining and increasing the value of investment and financial management has been accepted and paid more and more attention by the masses of Chinese people, and Chinese people have joined the ranks of investment and financial management with a more and more rational situation. With the globalization of finance and China's entry into WTO, transnational financial activities are getting closer and closer. In order to obtain the commanding point of profit, commercial banks have realized the importance of adapting to the needs of customers and the trend of nationalization. Personal finance business is coming into being. Therefore, it is of practical significance to provide clients with a comprehensive personal finance plan. The thesis is divided into five parts: first, the first chapter is the introduction. This paper analyzes the background and significance of the thesis, and summarizes the domestic and international situation of personal investment and finance research in commercial banks. Chapter two: characteristics of personal Financial products and Investor Classification in Dalian Branch of Bank A. This paper analyzes the characteristics of personal financial products in Dalian Branch of Bank A, classifies them into two types: robust and value-added investment products, and classifies investors according to their investment purpose and life cycle. The third chapter, carries on the personal customer portfolio model construction. Based on the relevant theoretical research and the analysis of historical data, this paper applies the questionnaire from the life cycle of the customer, the objective situation of income and consumption, the historical investment experience and the risk preference, etc. The optimal portfolio ratio of different types of clients is formulated. Chapter four analyzes the choice and application of personal finance investment strategy of Bank A Dalian Branch. On the basis of the third chapter, combining with the classical theories of income and risk, no difference curve, optimal portfolio and so on, the investment portfolio model suitable for different types of customers of Bank A Dalian Branch is established. At the same time, considering the influence of the risk bearing ability of different customers on the expected income, and combining with the case analysis of the customer economic investment planning in different life cycle. Combine the individual investment plan of the customer, make out the investment strategy plan suitable for different customer. Finally, the relevant policy recommendations. Combined with the problems existing in the financial management business of Dalian Branch of Bank A at present, the corresponding policy suggestions are put forward, which can be used for reference by Dalian Branch of Bank A for better development of personal finance business.
【學(xué)位授予單位】：大連理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2
【參考文獻(xiàn)】
相關(guān)期刊論文 前4條
1 黃志杰;;理財(cái)發(fā)展史一瞥[J];大眾理財(cái)顧問;2006年04期
2 趙f，
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